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Car Title Loan From $2,510 to $50,000* And Receive Approval In Minutes. No Credit? Bad Credit? No Problem. Get Same Day Cash And Keep Driving Your Car. Fast, Convenient, No Hassle Process. Apply Now and Find Out How Much Money Your Car Qualifies For!
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How Car Title Loans Work?

For over twenty years, TFC Title Loans has helped thousands of residents across the states of Arizona, California, and New Mexico in obtaining the cash that they need with a TFC title loan. We will show you how car title loans work, here at TFC Title Loans we have become one of the most trusted title lenders around by providing customers with an easy application process, instant on the phone vehicle pre-approval, funding in as little as one business day, and superior customer service. Since 1994, customers have turned to TFC Title Loans for help with their financial needs. That’s why we want to show you exactly how car title loans work.

What is an Auto Title Loan?

So, how car title loans work? Title loans are just a type of collateral loan. What this means is that the amount of money that you are eligible for is based on the collateral that is put up. In this case, the amount you receive is based off the wholesale value of your vehicle.

In order to receive a title loan, you must have a clear-and-free title on a vehicle and a source of income. This does not mean you have to have a job, but you must be receiving money on a regular basis from social security, a retirement fund, or any other means.

Credit Scores with Car Title Loans

How car title loans work with TFC Title Loans does not think it is proper to hold your bad credit against you, knowing that the things that cause this are beyond your control. Unlike other lenders, payday loans, and cash advances for smaller amounts of money, TFC doesn’t use your credit to determine your loan amount.

Because you are using the title of your vehicle as collateral for the loan, there is no need to use your credit score to determine your eligibility, amount, or interest rate. The only time TFC Title Loans uses your credit score is to ensure you are not actively going through bankruptcy or credit counseling. Otherwise, the value of your vehicle and the ability to pay off your title loan is how TFC Title Loans determines the amount of your vehicle.

Getting a Title Loan

First Step: Apply

The first step in obtaining an auto title loan with TFC Title Loans is to apply. Complete and submit the short online form. In a few minutes, we will have the information necessary to make a decision on how much we can lend you. Our customers have the ability to apply with different ways:

Phone: Request your loan by calling us at our toll-free number (844) 242-3543.

Chat: Apply directly with a representative when you click the chat button.

In-store: Apply within one of our qualifying TFC locations across California, Arizona, and New Mexico.

Second Step: Simple Paperwork

After your application has been received, one of our representatives will contact you and ask for documentation to verify your information so they can finalize your loan. It is a very short list of documents needed and you can complete this part in under 60 minutes. Just send us what we need, and we take care of the rest. We suggest having these documents prepared to speed up the loan finalization process so you can get your money at the quickest rate possible.

Vehicle’s title (pink slip)

Proof of insurance coverage

Driver’s License

Proof of residency (utility bill)

Proof on monthly income

Pictures of the vehicle

List of 6 references, 1 being a family member

Third Step: You Get Your Money!

After you loan has been finalized, the last step is for you is to have your vehicle inspected, sign your contract, and pick up your funds at our nearest location. The inspection is quick and completed in just a few minutes. The vehicle is inspected to ensure that it is the correct vehicle and it doesn’t have any major damage that would affect its value.

Your TFC representative will have your contract ready with your terms. Every TFC customer receives a contract unique to their needs and situation. Your terms will be discussed prior with your representative. You get to sign your agreement with your TFC representative to demonstrate your understanding of the payback agreement.

You can receive anywhere from $2,500 to $50,000, and our flexible payback terms range from 24 to 36 months. Since we have no hidden fees and no prepayment penalties you can pay off your loan as early as you want. You will walk out of TFC Title Loans with your funds in hand, ready to tackle your financial dilemma.

How to Pay Back an Auto Title Loan

Like any loan, you will have to pay it back, but TFC makes paying back your loan simple and easy just like our application process. Payment coupons will also be sent to you to alert you of an incoming payment. We have many payment options for you to make your monthly payments, and we always encourage communication with TFC Title Loans to make sure you’re on track with your payments.

Online

TFC Title Loans has an online portal that you can use to keep track of your payments, how much you have left to pay off, and your statements. You can click on My Account on the top of the home page to create an account, or make a quick guest payment.

Telephone

You can call our number at (888) 505-3784 to make a payment with check or card by phone.

Mail

If you’re more comfortable with mailing in a payment, you can make a payment with a personal check, money order, or cashier’s check. When paying by mail, be sure to include your account number or social security number on your check/money order. Any checks/money orders should be made out to:

Western Union

TFC Title Loans communicates with Western Union to allow their customers to pay through the safety of a bank. You can make payments at your local Western Union by using the state code “California” and the city code “Thirteen”. You can also visit westernunion.com and search “Trading Financial Credit”.

Follow their prompts to make an online payment with a credit or debit car, or you can make a payment by phone by calling Western Union at (800) 634-3422. You’ll need the same state and city code as before. A third-party fee may be associated for their service.

MoneyGram

Make payments at your local MoneyGram location by using the MG code “5041”. You can also visit moneygram.com and search for TFC by using the same code. Follow their prompts to make an online credit or debit card payment. They make charge a third-party fee for using their service.

Refinancing an Auto Title Loan

Are you looking to find a better interest rate or to lower your monthly payments? TFC Title Loans offers refinancing for those who have title loans with one of our competitors. Our highly skilled loan officers will assist you in refinancing your existing car title loan.

We can potentially get you a competitive interest rate and possibly more cash in your pocket! We can get your previous car title loan paid off while giving you extra money in the process. The refinancing option can be completed the same way as applying for a new auto title loan. Provide a couple documents, then bring your vehicle to one of our TFC locations nearest to you.

Apply for a Title Loan Today

More than just being in the car title loan business, TFC is vested in the business of helping people. Helping you get the cash you need when you need it most is our aim. Whether it is through our all-credit-welcome policy, fast approval process, or our quick turnaround, time we are here to put a smile on your face.

Apply by filling out the form on your right or call 844-242-3543. Our helpful car title loan agents are standing by to walk you through the application process or answer whatever questions you may have.

DISCLOSURES

Trading Financial Credit, LLC may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. Trading Financial Credit, LLC does not offer or service student loans. California loans are made or arranged pursuant to a California Financing Law License : 603-8192. Arizona: Loans made pursuant to Arizona Department of Financial Institutions.

*Application processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 5PM PST on a business day.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at
1-844-242-3543 for immediate assistance.